AEON iCASH Personal Financing

This is a simple AEON Personal Financing with express approval and flexible repayments. Pay at low monthly profit rates for up to 7 years!

AEON iCASH Personal FinancingExpress Approval
Profit Rate
from 7.92% p.a.
up to RM100k
up to 7 years
Min. Income

Loan calculator

Profit rates

Based on your loan amount & loan period, the profit rates are as low as the following

Financing ValueFinancing periodYour incomeProfit Rate
RM1,000 - RM100,0006 to 84 monthsmin. RM18,0007.92% p.a. - 18% p.a.

Fees & Charges

Profit Rate / APR
As low as 7.92% p.a., depending on financing amount and period
Processing Fee
from 2% to 4% of the financing amount
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
from RM18 to RM40, subject to terms and conditions


Minimum Annual Income
Minimum Age
  • 18 to 65 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Self-employed
  • Government employee

More Information

In need of cash to meet your children's college fees or expensive medical bills? Or maybe going on a holiday or for DIY home improvement? 

A personal financing plan like AEON iCASH Personal Financing can help bridge the financial gap without breaking the bank!

AEON iCash Personal Financing Campaign FAQs:

For a limited time only, grab this chance to get your desired financing instantly with AEON iCash Personal Financing’s “Fast & Instant Financing Scheme” Campaign.

The Campaign Period runs from 7 July 2022 to 31 December 2022, subject to the campaign's terms and conditions.

Check out the below eligibility criteria for the Campaign:

Financing AmountFinancing TenureProfit RateMinimum Gross Salary
RM1,000 - RM5,0006 - 60 months1.00% - 1.50%
(Monthly & subject to your Credit Profile)

Why should I participate in this campaign?

We understand that during trying times, a big sum of money may not be accessible to anyone. And while personal financing can help you get through your financial problems, not every financing can be approved instantly as most banks usually require around three to seven working days before they give you the approval stamp on your loan application.

Hence, if you are in need of cash quick, take this opportunity to apply for AEON iCash Personal Financing under the “Fast & Instant Financing Scheme”.

Who is qualified for this campaign?

This campaign is open to all new applicants of AEON iCash Personal Financing under the “Fast & Instant Financing Scheme” campaign only. Eligible applicants also must be Malaysian citizens that are at least 18 years old and not exceeding 65 years old at the time of application submission.

How to be eligible for the campaign?

To participate, do follow the below steps:

  1. Submit the completed application form with the special Promotion Code “FASTPF01” together with the supporting documents within the Campaign Period via these channels: 1) AEON Credit Website, 2) AEON Credit Branches, or 3)AEON Credit Telemarketing
  2. If you are not an existing AEON Member Plus Visa Cardholder, you are required to apply for the said card for financing disbursement purposes. Please apply via the AEON Credit branch nearest to you or through AEON Wallet App.

Where can I reach out for more information?

For any questions, please get in touch with AEON Credit directly.

Tell me about AEON iCASH Personal Financing.

AEON iCASH Personal Financing is an unsecured Islamic personal financing with a high financing limit and low monthly profit rates. 

This Islamic personal financing is easy to apply and does not require a security deposit or guarantor.

You can borrow a minimum of RM1,000, up to RM100,000 from AEON iCASH Personal Financing and repay the Islamic facility over flexible terms between 6 to 84 months.

Who can apply for AEON iCASH Personal Financing?

AEON iCASH Personal Financing opens to Malaysian citizens working in the private sector and uniform bodies such as police and military, with a minimum income of RM1,500 every month.

How fast can I get my money?

Typically, AEON takes 3 days to process and approve your iCASH Personal Financing application. Interestingly, you can get your approved money disbursed to your chosen savings or current account even on Sunday!

Before you can get your hand on the money, you are required to sign the Sales & Purchase Agreement at the respective AEON Credit counter. Then you can withdraw the money from any ATM machine.

If you have the AEON Credit Prepaid MasterCard, you can have your funds transferred to your card for up to RM10,000 and withdraw at your nearest AEON Credit Branch.

How do I pay the money back?

Payments of your iCASH Personal Financing facility should be made by the 2nd day of every month. 

There are various payment channels provided such as internet banking, ATM transfer, interbank GIRO, cash and cheque deposit machine and over-the-counter at AEON Service Centre. 

At any time you are late on your monthly payment, you will be charged with a penalty between RM18 to a maximum of RM40.

What is the cost of obtaining AEON iCASH Personal Financing?

There is a processing fee of 4% for the financing amount below RM10,000. Planning to finance more than that? Enjoy only a 2% processing fee for an amount between RM10,001 and RM100,000, capped at RM400.

It is also worth highlighting that you will need to pay a Wakalah Fee of RM10.60 (inclusive of 6% SST).

Can I pay my AEON iCASH Personal Financing off early?

Of course. You can finish paying your iCASH Personal Financing facility as soon as you wish with no charges at all!

What documents do I need to prepare for AEON iCASH Personal Financing application?

First of all, you need to be a Malaysian citizen aged 18 years old and above with a minimum gross income of RM1,500 per month. Together with your application form, you need to provide all these supporting documents.

If you're a Salaried Employee:

  • Copy of your IC (front & back)
  • Latest 1-month payslip or
  • Latest EPF statement

If you're a Variable Income Earner (Commission or Non-commission):

  • Copy of your IC (front & back)
  • Latest 3-months payslips or
  • Latest 6-months commission statement or
  • Latest EPF statement

If you're Self-Employed:

  • Copy of your IC (front & back)
  • Company Business Registration Certificate (ROC & ROB) and any of the supporting documents below:
  • Latest 6 months Company's principle current account statement either, or
  • Latest updated bank saving account passbook or bank statement (for verification purposes), or
  • Latest updated BE/E Form & Tax payment receipt.
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